TREATING CUSTOMERS FAIRLY:

           Mark Sandison is committed to providing a high standard of professional advising and will therefore:

1. Render services honestly, fairly, with due skill, care and diligence
2. Take care that products and services marketed and sold in the retail market are designed to meet the needs of the client
3. Ensure that the client is given clear information on his investment before, during and after the initial investment in a way that is factually correct, clear, fair and not misleading
4. See to it that where clients received advice, that the advice is suitable and takes account of their circumstances
5. Take care to provide clients with products that perform as can be reasonably expected and that the associated level of service is both of an acceptable standard and what they have been led to expect
6. Ensure that clients do not face unreasonable post-sale barriers to change a product or make a complaint.

Yours faithfully,

Mark Sandison

25 November 2012